Montana · HMDA 2025
Mortgage lenders in Carbon County, MT
95 lenders reported 522 home-loan applications in Carbon County in 2025. 303 closed as loans ($100.2M), 70 were denied — a 18.3% denial rate on decided applications, close to the Montana rate of 18.7%. The three most active lenders handled 20% of applications, led by Altana Federal Credit Union. 17 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 522
- Loans originated
- 303
- Purchase / refinance
- 152 / 106
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Carbon County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Altana Federal Credit Union 66 out of 100, Moderate | 40 | 7.7% | 19.1% |
| 2 | Bank of Bridger, National Association 70 out of 100, Strong | 37 | 7.1% | 6.0% |
| 3 | UNITED SHORE FINANCIAL SERVICES, LLC | 28 | 5.4% | — |
| 4 | Rocket Mortgage, LLC | 26 | 5.0% | — |
| 5 | Glacier Bank 68 out of 100, Moderate | 25 | 4.8% | 20.0% |
| 6 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 22 | 4.2% | — |
| 7 | Stockman Bank of Montana 71 out of 100, Strong | 22 | 4.2% | 7.6% |
| 8 | First Interstate Bank 62 out of 100, Moderate | 19 | 3.6% | 29.4% |
| 9 | The Yellowstone Bank | 18 | 3.4% | — |
| 10 | PENNYMAC LOAN SERVICES, LLC | 17 | 3.3% | — |
| 11 | GUARANTEED RATE, INC. | 15 | 2.9% | — |
| 12 | U.S. Bank National Association 55 out of 100, Moderate | 14 | 2.7% | 39.5% |
| 13 | NEWREZ LLC | 11 | 2.1% | — |
| 14 | Opportunity Bank of Montana 71 out of 100, Strong | 11 | 2.1% | 12.0% |
| 15 | VALLEY FINANCIAL CREDIT UNION 71 out of 100, Strong | 11 | 2.1% | 23.6% |
| 16 | Broker Solutions, Inc. | 9 | 1.7% | — |
| 17 | 21st Mortgage Corporation | 8 | 1.5% | — |
| 18 | GUILD MORTGAGE COMPANY | 8 | 1.5% | — |
| 19 | AMERIHOME MORTGAGE COMPANY, LLC | 7 | 1.3% | — |
| 20 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 6 | 1.1% | 14.1% |
| 21 | Mortgage Research Center, LLC | 6 | 1.1% | — |
| 22 | Mountain America Federal Credit Union 56 out of 100, Moderate | 6 | 1.1% | 45.0% |
| 23 | NATIONSTAR MORTGAGE LLC | 6 | 1.1% | — |
| 24 | Navy Federal Credit Union 66 out of 100, Moderate | 5 | 1.0% | 32.9% |
| 25 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 5 | 1.0% | 22.2% |
| 26 | AmeriSave Mortgage Corporation | 5 | 1.0% | — |
| 27 | CROSSCOUNTRY MORTGAGE, INC. | 5 | 1.0% | — |
| 28 | Bank of America, National Association 59 out of 100, Moderate | 5 | 1.0% | 44.7% |
| 29 | SPRING EQ, LLC | 5 | 1.0% | — |
| 30 | LAKEVIEW LOAN SERVICING, LLC | 5 | 1.0% | — |
| 31 | LOWER, LLC | 5 | 1.0% | — |
| 32 | PHH Mortgage Corporation | 5 | 1.0% | — |
| 33 | LITTLE HORN STATE BANK 59 out of 100, Moderate | 4 | 0.8% | 4.2% |
| 34 | AMERICAN FINANCING CORPORATION | 4 | 0.8% | — |
| 35 | MUTUAL OF OMAHA MORTGAGE, INC. | 4 | 0.8% | — |
| 36 | Bravera Bank 67 out of 100, Moderate | 4 | 0.8% | 2.2% |
| 37 | Truist Bank 63 out of 100, Moderate | 3 | 0.6% | 40.8% |
| 38 | Loandepot.Com, LLC | 3 | 0.6% | — |
| 39 | GUARANTEED RATE AFFINITY, LLC | 3 | 0.6% | — |
| 40 | Plains Commerce Bank 59 out of 100, Moderate | 3 | 0.6% | 10.0% |
Top 40 of 95 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Montana
- Yellowstone County 7,292 apps
- Gallatin County 4,670 apps
- Flathead County 4,664 apps
- Missoula County 4,001 apps
- Cascade County 3,584 apps
- Lewis and Clark County 3,181 apps
- Ravalli County 1,649 apps
- Silver Bow County 1,444 apps
- Lake County 1,019 apps
- Lincoln County 864 apps
- Park County 709 apps
- Jefferson County 627 apps